2025 Hong Kong Business and Corporate Credit Card Guide | Benefits, Application Methods & Exclusive Welcome Offers

• Exclusive offers for business travel

• Airwallex Borderless Cards support international transactions in 140+ currencies - start saving on international payment

• Regain control and visibility on business spending

• Enjoy unlimited 1% cash rebate on your local and international spending

• No charge on account opening. No maintenance fee.

Other things to note

• Companies are required to apply for an Airwallex account before they can issue Airwallex Borderless cards online.
  • Companies can issue Airwallex Borderless cards in their accounts if they hold a valid HKBR.
• Airwallex Borderless Card is only available as virtual card at the moment.
• Airwallex is not a bank and is not supervised by the Hong Kong Monetary Authority.
  • Airwallex is a holder of Money Service Operators License in Hong Kong.

• Earn rewards when you spend with the Card
  • Local Spending - HK$1 = up to 2 Membership Rewards points*
    • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example, it’s equivalent to 0.66% savings.
    • Take 18 Membership Reward points = 1 Asia Mile as an example. 
  • Foreign Currency Spending - HK$1 = up to 3 Membership Rewards points*
    • Take American Express Pay with Points Redemption Rate 300 Membership Rewards points = HK$1 as an example, it’s equivalent to 1% savings.
    • Take 15 Membership Reward points = 1 Asia Mile as an example. 
  • *Only applicable to the first HK$300,000 equivalent of eligible spending with the Business Gold Card within each program period. For HK$300,001 and onwards, you will earn 1 Membership Rewards point for every HK$1 spent locally and 2 points for every HK$1 spent in foreign currencies.
  • Membership Rewards points can be used for redeeming cash rebate, air miles, dining offers, cash vouchers, hotel stays, Card fee waivers, charities donation and other merchandises.

• Better Control with the Business

  • No pre-set spending limit
  • Up to 51 credit-free days when paying suppliers
  • Actual credit-free period will vary based on the date of charges and the billing cycle cut-off date. While no pre-set spending limit does not mean unlimited spending and charges are approved based on your payment history, credit records, spending pattern with us.

• Business Insurance

  • Enjoy up to HK$1,000,000 accident insurance for your business.
    • Up to HK$2,000,000 Business Travel Accident Insurance
    • Up to HK$4,000 for accommodation and essential clothing due to a delayed or cancelled flight and missed connection
    • Up to HK$8,000 luggage delay
    • Up to HK$10,000 for lost luggage
  • The plan is underwritten by Chubb Insurance Hong Kong Limited, American Express International, Inc. (American Express) does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. Exclusions and limitations apply.

• Lifestyle Benefits
  • Access to airport lounges (Basic and supplementary Cardmembers are eligible to a total of two visits per year)
    • Eligible American Express® Gold Business Card Cardmembers can enjoy Complimentary access to Plaza Premium Lounge (2 per calendar year)
• First-year Annual Fee Waiver of HK$980 including 3 Complimentary Supplementary Cards

• From now till December 31, 2025, enjoy up to 10% savings on the original price of SHOPLINE’s unified commerce solution. Terms & Conditions apply.
• From now till December 31, 2025, new customers of iStock enjoy 20% savings on original price upon purchases of new subscriptions. Terms & Conditions apply.
• From now till December 31, 2025, enjoy 20% savings on the original price of the first 3 months of your purchase of an IWG Membership or Virtual office plan for any IWG brands and centers around the world (for new customers signing up for a 12-month contract or longer). Terms & Conditions apply.

• Eligibility Requirements
  Applicants need to be
  • over 18 years of age;
  • Gross personal income is over HK$200,000 p.a.;
  • HK or Macau Residents or Citizens; and
  • the owner, partner, shareholder, CEO, managing director or executive of the company.
• Existing Business Card or Gold Business Cardmember and applicants who held The Business Card or Gold Business Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers.